Systems and methods for determining whether a voice biometrics credential provides a reliable mechanism for authenticating a user are provided. The method includes receiving at least one set of voice data from the user; determining, based on the received at least one set of voice data, a value of at least one parameter that corresponds to a user-specific voice biometrics credential; obtaining at least one user-specific item of information; accessing at least one business rule that relates to the user; and determining, based on the at least one set of voice data, the at least one user-specific item of information, and the at least one business rule, whether the user-specific voice biometrics credential is usable for authenticating the user.